Minimum Salary Salary Transfer Islamic Finance Cashback Annual Fee Rate
Emirates Islamic - Cashback Plus Credit Card Emirates Islamic - Cashback Plus Credit Card Minimum Salary: AED 12,000 Salary Transfer: No Islamic Finance: Yes Cashback: Yes Annual Fee: AED 299 Rate: 3.49%
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Earn up to 10% cash back

Up to 10% cash back on supermarket spends

Start saving on your groceries by earning up to 10% cash back on purchases made at any supermarket in the UAE and abroad

Up to 10% cash back on education

Give your children the best education they deserve and get up to 10% cash back on school and university fees, in the UAE and overseas

Up to 10% cash back on dining

Dine at your favorite restaurants around the world and enjoy up to 10% cash back

Up to 10% cash back on telecom expenses

Enjoy great savings on your Etisalat and du bills in UAE and telecom services across the globe


RTA benefits

Embedded Nol chip 
Your Cashback Plus Credit Card comes with a built-in RTA Nol Chip. Not only can you use your Card to make purchases and cash withdrawals, but also for payments on the RTA transit network, including RTA Metro, RTA Bus, RTA Water Bus, parking meters, Salik and much more.

Auto top-up facility on Salik and Nol
With your Emirates Islamic Cashback Plus Credit Card you can enjoy auto top-ups on Nol and Salik. By activating this facility you don’t have to remember to recharge your Salik account or queue up at the RTA station to recharge your Nol chip. To activate the auto top-up facility, please call us on 600 599 995.

Any top up made on your Card through online or mobile banking channels will get updated/recharged after 48hrs. You must visit any metro station reader or parking machine after 48 hours in order to update the NOL balance on the card prior to use. For more details please Click here.

Gold Class cabin access 
Enjoy travelling at ease with your Cashback Plus Credit Card. Your card is embedded with a chip that allows you access to Gold Class Cabin on the Dubai Metro. Now you can escape the crowd and sit in peace while you get to your destination.

Complimentary airport lounge access

Travelling abroad? You and your supplementary cardholders can enjoy unlimited access to over 1000 airport lounges worldwide. Just present your Card at the participating lounges to enjoy complimentary access. To find out about participating lounges please visit

Terms & Conditions:

  • 1st visit to the Lounge in a calendar year is complimentary.
  • To utilize the subsequent complimentary visits in the same calendar year, customer needs to make a minimum foreign currency spend of USD 1 or equivalent, on both primary & supplementary cards. If the spend criteria is not met then customer will be charged US $27 to the card.
  • For every accompanying guest, cardholders will be charged US $27 per person per visit

Complimentary Golf any day of the week

Enjoy two rounds of complimentary golf per month at Arabian Ranches Golf Club or Track Meydan Golf Club on weekends and weekdays. To book your game, please click here and submit the completed form.

Multi Trip Travel Insurance

Travel with complete freedom and peace of mind. Your Cashback Plus Credit Card saves you the time and expense of organizing travel and medical insurance separately when you travel. You are automatically covered for travel accident and travel inconvenience insurance on all trips of up to 90 days duration. To get your travel insurance certificate please click here

Easy payment plans

Convert your purchases in to convenient monthly installments by purchasing them through your Emirates Islamic Cashback Plus Credit Card. You can avail our easy payment plans of 3, 6, 9, 12 and 24 months once you have made a purchase by simply calling our Call Centre at 600 599 995.

Balance transfer facility

Enjoy 0% profit rate on the outstanding balance of your credit cards from other banks for 6 months by simply transferring it to your Emirates Islamic Cashback Plus Credit Card with nothing more than a processing fee. For more details Click here

Cash on call facility

With your Emirates Islamic Cashback Plus Credit Card you can avail Cash on Call facility of up to 80% of your available credit limit. For more details Click here

Supplementary Cards

Apply for a supplementary card for your loved ones to share the privileges and benefits offered on your Cashback Plus Credit Card.
Each Supplementary Card issued under your account allows you to track your expenses and helps you manage your cash flow under simplified billing with a single monthly payment for all cards on the same account.
To Apply please call 600 599 995 or visit your nearest Emirates Islamic branch

Extended warranty

When you buy quality, you expect it to last. That’s why we automatically double the original manufacturer’s warranty up to one year from the expiry date of the original warranty. For more details Click here

Purchase protection

Purchase protection provides you with additional peace of mind every time you make a purchase. It protects your purchases against theft or damage so you can focus on finding the perfect gift. For more details Click here

Payment options

Choose from the following options to make your Card payments:

  • Standing instruction to debit your Emirates Islamic Current / Investment savings account
  • Online payments through Emirates Islamic Online Banking
  • Cash payments through Emirates Islamic branches or cheque deposit machines
  • Cash payments through Al Ansari Exchange, Al Fardan Exchange, Al Rostamani Exchange or UAE Exchange branches

24-hour customer service facility

Call our 24-hour customer service centre on 600 599 995 or log on to our website to benefit from the following facilities 24 hours a day, 7 days a week:

  • Complete online access to your Card including card transactions and billing statements
  • Pay your Emirates Islamic Cashback Plus Credit Card bill
  • Pay your utility bills
  • Set up standing instructions to pay your bills

Luxury Hotel Collection

Enjoy unsurpassed value at over 900 intriguing and prestigious properties around the world with your Emirates Islamic Cashback Plus Credit Card. This hand-selected portfolio includes boutique gems as well as world-famous hotels and resorts.

Privileges on your card:

  • Best available rate guarantee
  • Automatic room upgrade upon arrival when available
  • Free in-room Internet
  • Complimentary continental breakfast
  • 3:00 PM check-out when available
  • VIP Guest status
  • US$25 food or beverage voucher
For more details please

Medical and Legal Referral

Accidents and mishaps may happen anytime, anywhere. During these unfortunate events, simply contact the below mentioned numbers and we shall provide you with the medical and legal assistance you may need. We will refer you to physicians, hospitals, clinics, dentists, lawyers or legal practitioners based on your request wherever you may be.
UAE: +971 4 361 1234 Outside UAE: +44 (0) 208 762 8373

Customer will have to pay any interpreting fees or related charges for third parties involved.

  • Easy Payment Plans
  • Free Airport Transfers with Careem
  • Balance Transfer Facility
  • Cash on call facility
  • Supplementary Cards
  • Islamic Credit Shield
  • Purchase Protection
  • Extended Warranty
  • Various Payment Options
  • Terms & Conditions Apply
Unique Features
  • RTA Benefits
  • Complimentary Airport Lounge Access
  • Complimentary Golf Any of The Week
  • Multi-trip Travel Insurance
  • Luxury Hotel Collection
  • Medical and Legal Referral
The American Express - The Platinum Card
Minimum Salary
AED 30,700
The American Express - Gold Credit Card
Minimum Salary
AED 15,000
Najm - ONE Cashback Credit Card
Minimum Salary
AED 8,000
Najm - Platinum Plus Cashback Credit Card
Minimum Salary
AED 7,000